Date Received: 2022-12-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Due to the pandemic communications companies allow people to open accounts online and if your info, i.e., name, DOB, social, etc., are in a data breach, anyone can open accounts with these companies. The companies take them without running further checks, as an example, Ive had my XXXX XXXX XXXX cell phone number for over 20 years, and yet, they failed to call me to verify my identity for this new, fraudulent account with XXXX XXXX XXXX XXXX When you complain to these companies that you have been a victim of identity theft, they want you to fill out about affidavits, police reports, etc., of documents to prove your claimthe irony. Perhaps they should do the same to prove who you are BEFORE they open an account to just anyone. There should be some type of two-factor authentication. You are not notified of the fraud until the suspect fails to pay their bills. In my case, XXXX XXXX XXXX XXXX XXXX fraudulent account under my name sometime in 2022 and again, without calling my XXXX XXXX XXXX phone number to verify and waited until the account became delinquent to finally contact me. How absurd!
Company Response:
State: CA
Zip: 91607
Submitted Via: Web
Date Sent: 2022-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: ENHANCED RECOVERY CO L has flagged your account as Collections on XX/XX/2020. Source : XXXX XXXX : ENHANCED RECOVERY CO L Address : XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/2020 Balance : {$310.00}
Company Response:
State: KY
Zip: 40422
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX : A creditor XXXX not treat a payment on a credit card account under any open-end consumer credit plan as late for any purpose.
Company Response:
State: MS
Zip: 391XX
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have reached out to XXXX and Enhanced Recovery on multiple occasions, through several different avenues, throughout this past year in attempt to dispute the following information that appears on my XXXX or XXXX and/or XXXX XXXX report ( XXXX ) : * Date of Last Activity * Date Reported * Date Opened * Closed Date * Last Payment However, this inaccurate information is still being verified and reported by XXXX and the credit bureaus each month. The information can not be both valid and different. Each bureau is reporting different data in each category. I request the XXXX account XXXX be removed immediately from my credit report with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX is in direct violation of my rights under FCRA by reporting inaccurately. Also when attempting to make contact in order to resolve my concern, XXXX refuses to assist and forwards me to Enhanced Recovery Company. When I contact Enhance Recovery, they inform me that XXXX is reporting to credit bureaus not ERC, therefor they can not assist with the inaccurate reporting. An ERC representative on the phone informed me they do not report data to credit agencies, they collect only and the information being provided is coming from XXXX XXXX. I have been sent back and forth between the two companies with no resolve. I can not verify or validate any of the information on my credit report concerning XXXX. I have contacted XXXX on several occasions but XXXX refuses to report accurately. I request account XXXX be deleted immediately from my credit report.
Company Response:
State: NC
Zip: 28214
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX who I have never signed up my services with at any time has a debt linked to my name that does not belong to me, they have sold this debt to companies which have then sold to others after ive said this is bot my debt and have disputed this information. I continue to be harassed by different debt collectors on a monthly basis for a debt that is not mine which is extremely illegal according to the following laws 15 U.S. Code 1692b - Acquisition of location information 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse My information continues to be sold & shared illegally which is a violation of my rights
Company Response:
State: NY
Zip: 11212
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Through XXXX XXXX 's credit monitoring, I noticed there was a collection out for slightly more than $ XXXX from ERC for the date of XX/XX/XXXX, which was not present on XXXX credit score report ( using XXXX ). Called the phone number listed on XXXX XXXX for the ERC company in question, which immediately asked for my Social Security Number ( I did not provide ). Looking at the phone number and address provided, they differed from the website for ERC. Fraudulent impersonator 's info : XXXX XXXX XXXX XXXX Florida, XXXX, phone number : XXXX. Upon contacting ERC through the phone number on their more legitimate looking website ( found on XXXX ), they said this information was not associated with their company.
Company Response:
State: SC
Zip: 29410
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: FL
Zip: 33020
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Company Response:
State: LA
Zip: 710XX
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This is the 3rd time we've had to deal with this same issue, they keep selling this debt claim to other collection agencies. THIS IS NOT OUR DEBT. We've had 2 claims already filed showing this is not our debt. Every 6 to 8 months it appears they try another collection agency. I've attached our last complaint, in which that collection and the prior agency agreed it was not our debt. This new collection agency - Enhanced Recovery # XXXX. The number they left is XXXX. XXXX it is an XXXX collection. We had XXXX & XXXX years ago and they even show we had a credit when we left their service. Thank you for your assistance. XXXX XXXX
Company Response:
State: TX
Zip: 76052
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I received a letter in the mail from ERC ( Reference Number : XXXX ) trying to collect {$110.00} that is due to XXXX XXXX XXXX, XXXX ( Account Number : XXXX ). I have never been a customer of XXXX. When I reached out to XXXX on the phone they say the account associated with this phone number is XXXX XXXX XXXX with no other address information and the payment due is {$170.00}. If I call XXXX and then the account number I get the partial address of XXXXXXXX XXXX XXXX with a payment due of {$260.00}. When I have reached out to XXXX online with the information provided in the letter it does NOT match their records. When I reach out to ERC directly they give me the address ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) and phone number ( XXXX XXXX XXXX XXXX XXXX ). They would not provide their license number. When I called the phone number they me over the phone it was an automated message for a medical alert device.
Company Response:
State: PA
Zip: 18360
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A